/* ValueArc brand — teal #24979D, orange #F6821F, black #000000 */

:root {
  --bg: #f7f9f9;
  --bg-alt: #ffffff;
  --ink: #000000;
  --muted: #4a5560;
  --line: #e0e8e8;
  --primary: #24979d;
  --primary-dark: #1d7a80;
  --accent: #f6821f;
  --accent-soft: rgba(246, 130, 31, 0.18);
  --primary-soft: rgba(36, 151, 157, 0.12);
  --warning: #f59e0b;
  --loan-icon-bg: rgba(36, 151, 157, 0.14);
  --loan-icon-fg: #1d7a80;
  --insurance-icon-bg: #dcfce7;
  --insurance-icon-fg: #166534;
  --check-green: #16a34a;
  --emi-blue: #24979d;
  --emi-blue-soft: rgba(36, 151, 157, 0.1);
  --emi-interest: #f6821f;
  --products-bg: #f4f5f7;
  --input-surface: #eef1f4;
  --footer-bg: #0e1618;
  --footer-bg-bar: #080f11;
  --footer-accent: #24979d;
  --footer-text: rgba(255, 255, 255, 0.88);
  --footer-muted: rgba(255, 255, 255, 0.68);
  --footer-line: rgba(255, 255, 255, 0.1);
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 18px 50px rgba(36, 151, 157, 0.1);
  --container: 1120px;
  --font-sans: "DM Sans", system-ui, sans-serif;
  --font-display: "Fraunces", Georgia, serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 100;
  padding: 0.75rem 1rem;
  background: var(--ink);
  color: #fff;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

.container {
  width: min(100% - 2.5rem, var(--container));
  margin-inline: auto;
}

.narrow {
  max-width: 720px;
}

.eyebrow {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
  margin: 0 0 0.75rem;
}

.text-gradient {
  background: linear-gradient(120deg, var(--primary) 0%, var(--accent) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 249, 249, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.site-header.is-scrolled {
  border-color: var(--line);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 92px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 700;
  font-size: 1.125rem;
}

.logo:hover {
  text-decoration: none;
}

.logo-img {
  height: 84px;
  width: auto;
  max-width: 340px;
  object-fit: contain;
  object-position: left center;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--bg-alt);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  padding: 0;
}

.nav-toggle-bar,
.nav-toggle-bar::before,
.nav-toggle-bar::after {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  position: relative;
  transition: transform 0.2s, opacity 0.2s;
}

.nav-toggle-bar::before,
.nav-toggle-bar::after {
  content: "";
  position: absolute;
  left: 0;
}

.nav-toggle-bar::before {
  top: -6px;
}

.nav-toggle-bar::after {
  top: 6px;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar {
  background: transparent;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar::before {
  top: 0;
  transform: rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar::after {
  top: 0;
  transform: rotate(-45deg);
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-list {
  display: flex;
  gap: 1.5rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-list a {
  color: var(--ink);
  font-weight: 500;
  font-size: 0.9375rem;
}

.nav-list a:hover {
  color: var(--primary);
  text-decoration: none;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.6rem 1.1rem;
  font-family: inherit;
  font-weight: 600;
  font-size: 0.9375rem;
  border-radius: 999px;
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s, color 0.2s, border-color 0.2s, box-shadow 0.2s;
}

.btn:hover {
  text-decoration: none;
}

.btn-lg {
  padding: 0.85rem 1.35rem;
  font-size: 1rem;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 4px 14px rgba(36, 151, 157, 0.4);
}

.btn-primary:hover {
  background: var(--primary-dark);
  color: #fff;
}

/* Mobile-only header CTA: must beat .btn { display: inline-flex } on desktop */
.btn.header-apply-mobile {
  display: none;
}

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}

.btn-ghost:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: rgba(36, 151, 157, 0.45);
}

.btn-outline:hover {
  background: var(--primary-soft);
}

.btn-on-dark {
  background: #fff;
  color: var(--primary);
  border: none;
}

.btn-on-dark:hover {
  background: rgba(255, 255, 255, 0.92);
  color: var(--primary-dark);
}

/* Hero — ValueArc logo colors (teal #24979D + orange #F6821F) */
.hero-blue {
  position: relative;
  padding: 0;
  overflow: hidden;
  color: #fff;
}

.hero-blue .hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 65% 50% at 92% 6%, rgba(246, 130, 31, 0.32), transparent 55%),
    radial-gradient(ellipse 90% 70% at 8% 25%, rgba(255, 255, 255, 0.14), transparent 52%),
    radial-gradient(ellipse 75% 60% at 90% 85%, rgba(36, 151, 157, 0.4), transparent 50%),
    linear-gradient(
      152deg,
      #3cb0b6 0%,
      var(--primary) 28%,
      var(--primary-dark) 55%,
      #124548 82%,
      #0c2d30 100%
    );
  pointer-events: none;
}

.hero-body {
  position: relative;
  padding: 4rem 0 3.25rem;
}

.hero-blue .hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 2.5rem 3rem;
  align-items: center;
}

.hero-title-light {
  font-family: var(--font-sans);
  font-size: clamp(2rem, 4.2vw, 3.15rem);
  line-height: 1.12;
  font-weight: 700;
  letter-spacing: -0.03em;
  margin: 0 0 1.1rem;
  color: #fff;
  text-wrap: balance;
  max-width: 16ch;
}

.hero-lead-light {
  margin: 0 0 1.85rem;
  color: rgba(255, 255, 255, 0.92);
  font-size: 1.0625rem;
  line-height: 1.65;
  max-width: 42ch;
}

.hero-blue .hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1rem;
  margin-bottom: 2.25rem;
}

.btn-hero-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  background: #fff;
  color: #0f172a !important;
  border: none;
  border-radius: 10px;
  font-weight: 600;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.12);
}

.btn-hero-primary:hover {
  background: #fff7ed;
  color: #0f172a !important;
  text-decoration: none;
  box-shadow: 0 6px 22px rgba(246, 130, 31, 0.22);
}

.btn-hero-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: #fff !important;
  border: 2px solid rgba(255, 255, 255, 0.9);
  border-radius: 10px;
  font-weight: 600;
  text-decoration: none;
}

.btn-hero-secondary:hover {
  background: rgba(246, 130, 31, 0.18);
  color: #fff !important;
  text-decoration: none;
  border-color: rgba(255, 213, 170, 0.95);
}

.hero-cta-arrow {
  font-size: 1.1em;
  line-height: 1;
}

.hero-stats-light {
  display: flex;
  flex-wrap: wrap;
  gap: 1.75rem 2.5rem;
  margin: 0;
  padding: 0;
}

.hero-stat-block {
  margin: 0;
}

.hero-stat-value {
  margin: 0;
  font-size: clamp(1.35rem, 2.5vw, 1.65rem);
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
}

.hero-stat-caption {
  margin: 0.2rem 0 0;
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.78);
  font-weight: 500;
}

.hero-stat-block p {
  margin: 0;
}

.hero-stat-block .hero-stat-caption {
  margin-top: 0.2rem;
}

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-photo {
  margin: 0;
  width: min(100%, 440px);
  margin-inline: auto;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 48px rgba(8, 45, 48, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.hero-photo-img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center;
  vertical-align: middle;
}

.hero-trust-bar {
  position: relative;
  background: rgba(8, 32, 35, 0.52);
  backdrop-filter: blur(8px);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.1rem 0;
}

.hero-trust-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.25rem 2.5rem;
  align-items: center;
}

.hero-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.95);
}

.hero-trust-icon {
  display: flex;
  color: #ffd4a8;
  flex-shrink: 0;
}

/* Legacy hero title (if reused elsewhere) */
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 4vw, 3.25rem);
  line-height: 1.15;
  font-weight: 600;
  letter-spacing: -0.02em;
  margin: 0 0 1rem;
}

.hero-lead {
  margin: 0 0 1.75rem;
  color: var(--muted);
  font-size: 1.0625rem;
  max-width: 34ch;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem 2rem;
  margin: 0;
  padding: 0;
}

.hero-stats dd {
  margin: 0;
  font-size: 0.9375rem;
  color: var(--muted);
}

.hero-stats strong {
  display: block;
  font-size: 1.25rem;
  color: var(--ink);
  font-weight: 700;
}

/* Logos */
.logos {
  padding: 2rem 0;
  border-block: 1px solid var(--line);
  background: var(--bg-alt);
}

.logos-inner {
  text-align: center;
}

.logos-label {
  margin: 0 0 1.25rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.logos-row {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 2rem 2.5rem;
  align-items: center;
}

.logos-row img {
  opacity: 0.65;
  filter: grayscale(1);
  transition: opacity 0.2s, filter 0.2s;
}

.logos-row li:hover img {
  opacity: 1;
  filter: grayscale(0);
}

.logo-fallback {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--muted);
  letter-spacing: 0.04em;
}

/* Sections */
.section {
  padding: 5rem 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-tint {
  background: linear-gradient(180deg, var(--primary-soft) 0%, transparent 100%);
}

.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 3rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3vw, 2.25rem);
  font-weight: 600;
  letter-spacing: -0.02em;
  margin: 0 0 0.75rem;
}

.section-lead {
  margin: 0;
  color: var(--muted);
  font-size: 1.0625rem;
}

.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.card {
  background: var(--bg-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}

.feature-card .card-title {
  margin: 0.75rem 0 0.5rem;
  font-size: 1.125rem;
}

.card-text {
  margin: 0 0 1rem;
  color: var(--muted);
  font-size: 0.9375rem;
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--accent-soft);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.card-link {
  font-weight: 600;
  font-size: 0.9375rem;
}

.card-link:hover {
  text-decoration: none;
  color: var(--primary-dark);
}

/* Split */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}

.split-reverse {
  direction: rtl;
}

.split-reverse > * {
  direction: ltr;
}

.rounded-img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  width: 100%;
  object-fit: cover;
}

.split-visual {
  position: relative;
}

.floating-stat {
  position: absolute;
  right: -0.5rem;
  bottom: 1.5rem;
  max-width: 200px;
  padding: 1.25rem;
}

.floating-stat-label {
  margin: 0;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}

.floating-stat-value {
  margin: 0.25rem 0;
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary);
}

.floating-stat-note {
  margin: 0;
  font-size: 0.8125rem;
  color: var(--muted);
}

.checklist {
  margin: 0 0 1.5rem;
  padding: 0;
  list-style: none;
}

.checklist li {
  position: relative;
  padding-left: 1.75rem;
  margin-bottom: 0.75rem;
  color: var(--muted);
}

.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45rem;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}

/* Steps */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.step {
  background: var(--bg-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  position: relative;
  overflow: hidden;
}

.step::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary) 0%, var(--primary) 45%, var(--accent) 100%);
}

.step-num {
  display: block;
  font-family: var(--font-display);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--accent);
  margin-bottom: 0.75rem;
}

.step-title {
  margin: 0 0 0.5rem;
  font-size: 1.125rem;
}

.step-text {
  margin: 0;
  color: var(--muted);
  font-size: 0.9375rem;
}

.metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
}

.metric {
  background: var(--bg-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 1rem;
  text-align: center;
}

.metric-value {
  display: block;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--primary);
}

.metric-label {
  font-size: 0.8125rem;
  color: var(--muted);
}

/* Quotes */
.quote-card {
  display: flex;
  flex-direction: column;
  height: 100%;
}

.quote-text {
  margin: 0 0 1.25rem;
  font-size: 1.0625rem;
  font-style: normal;
  color: var(--ink);
  flex: 1;
}

.quote-foot {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin: 0;
}

.quote-avatar {
  border-radius: 50%;
  object-fit: cover;
}

.quote-name {
  font-style: normal;
  font-weight: 600;
  display: block;
}

.quote-role {
  font-size: 0.875rem;
  color: var(--muted);
}

/* FAQ */
.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0 1rem;
  margin-bottom: 0.75rem;
  background: var(--bg-alt);
}

.faq-item summary {
  cursor: pointer;
  font-weight: 600;
  padding: 1rem 0;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  float: right;
  font-weight: 700;
  color: var(--primary);
}

.faq-item[open] summary::after {
  content: "−";
}

.faq-item p {
  margin: 0 0 1rem;
  color: var(--muted);
  font-size: 0.9375rem;
}

/* Loan application (above footer) */
.section-loan-apply {
  background: var(--bg);
  padding: 4rem 0 4.5rem;
}

.loan-apply-container {
  width: min(100% - 2.5rem, 640px);
  margin-inline: auto;
}

.loan-apply-page-head {
  text-align: center;
  margin-bottom: 2rem;
}

.loan-apply-title {
  font-family: var(--font-sans);
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin: 0 0 0.5rem;
  color: var(--ink);
  text-transform: capitalize;
}

.loan-apply-sub {
  margin: 0;
  color: var(--muted);
  font-size: 1.0625rem;
  line-height: 1.55;
}

.loan-apply-card {
  position: relative;
  padding: 2rem 2rem 2.25rem;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
}

.loan-apply-form-title {
  margin: 0 0 0.35rem;
  font-size: 1.2rem;
  font-weight: 700;
  font-family: var(--font-sans);
  color: var(--ink);
  text-transform: capitalize;
}

.loan-apply-privacy {
  margin: 0 0 1.75rem;
  font-size: 0.8125rem;
  color: var(--muted);
}

.loan-app-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
}

.loan-app-field-full {
  grid-column: 1 / -1;
}

.loan-app-field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.4rem;
}

.loan-app-field .req {
  color: var(--ink);
  font-weight: 700;
}

.loan-app-field input,
.loan-app-field select,
.loan-app-field textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid #dde2e7;
  background: var(--input-surface);
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
}

.loan-app-field textarea {
  resize: vertical;
  min-height: 6.5rem;
  line-height: 1.5;
}

.loan-app-field input::placeholder,
.loan-app-field textarea::placeholder {
  color: #8b95a1;
}

.loan-app-field input:focus,
.loan-app-field select:focus,
.loan-app-field textarea:focus {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  border-color: var(--primary);
}

.input-with-prefix {
  display: flex;
  align-items: center;
  border: 1px solid #dde2e7;
  border-radius: var(--radius-sm);
  background: var(--input-surface);
  overflow: hidden;
}

.input-with-prefix:focus-within {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
  border-color: var(--primary);
}

.input-prefix {
  padding: 0.75rem 0 0.75rem 1rem;
  font-weight: 600;
  color: var(--muted);
  flex-shrink: 0;
}

.input-with-prefix input {
  border: none;
  background: transparent;
  flex: 1;
  min-width: 0;
  border-radius: 0;
}

.input-with-prefix input:focus {
  outline: none;
}

.loan-app-consent {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  margin-top: 1.5rem;
  font-size: 0.8125rem;
  color: var(--muted);
  line-height: 1.55;
}

.loan-app-consent input {
  margin-top: 0.2rem;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  accent-color: var(--primary);
}

.loan-app-consent label {
  cursor: pointer;
}

.btn-loan-submit {
  display: block;
  width: 100%;
  margin-top: 1.35rem;
  padding: 1rem 1.5rem;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: #fff;
  background: linear-gradient(135deg, #0f1a1c 0%, #152a2d 45%, #1a1f20 100%);
  border: 1px solid rgba(36, 151, 157, 0.45);
  border-radius: var(--radius-sm);
  cursor: pointer;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.08);
  transition: background 0.2s, border-color 0.2s, box-shadow 0.2s;
}

.btn-loan-submit:hover {
  background: linear-gradient(135deg, var(--primary-dark) 0%, #0f1a1c 100%);
  border-color: var(--accent);
  box-shadow: 0 4px 14px rgba(36, 151, 157, 0.25);
}

.btn-loan-submit:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
}

.loan-form-honeypot {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

.loan-form-success {
  margin: 0 0 1.25rem;
  padding: 0.9rem 1.1rem;
  border-radius: var(--radius-sm);
  background: var(--primary-soft);
  border: 1px solid rgba(36, 151, 157, 0.35);
  color: var(--primary-dark);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.45;
}

.loan-form-success[hidden] {
  display: none !important;
}

.loan-form-error {
  margin: 0 0 1.25rem;
  padding: 0.9rem 1.1rem;
  border-radius: var(--radius-sm);
  background: rgba(180, 35, 24, 0.08);
  border: 1px solid rgba(180, 35, 24, 0.35);
  color: #7c1d15;
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.45;
}

.loan-form-error[hidden] {
  display: none !important;
}

@media (max-width: 640px) {
  .loan-app-grid {
    grid-template-columns: 1fr;
  }
}

/* Footer — navy with logo teal / orange accents */
.site-footer {
  background: var(--footer-bg);
  color: var(--footer-text);
  padding: 0;
}

.site-footer a {
  color: inherit;
  text-decoration: none;
}

.site-footer a:hover {
  color: #7dd3d9;
}

.footer-top {
  padding: 3.25rem 0 2.75rem;
  border-bottom: 1px solid var(--footer-line);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.85fr 0.95fr 1.15fr;
  gap: 2.5rem 2rem;
  align-items: start;
}

.footer-logo-link {
  display: inline-block;
  margin-bottom: 1rem;
}

.footer-logo-link:hover {
  opacity: 0.92;
}

.footer-logo-img {
  height: auto;
  width: min(100%, 200px);
  max-width: 200px;
  display: block;
  object-fit: contain;
  /* Full-color PNG → solid white mark on dark footer (preserves transparency) */
  filter: brightness(0) invert(1);
}

.footer-tagline {
  margin: 0 0 1.35rem;
  max-width: 34ch;
  color: var(--footer-muted);
  font-size: 0.9375rem;
  line-height: 1.6;
}

.footer-social {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 0.65rem;
}

.footer-social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  border: 1px solid var(--footer-line);
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s, border-color 0.2s, background 0.2s;
}

.footer-social-link:hover {
  color: #fff;
  border-color: var(--footer-accent);
  background: rgba(36, 151, 157, 0.12);
}

.footer-col-title {
  margin: 0 0 1.1rem;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 700;
  color: #fff;
}

.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-links li {
  margin-bottom: 0.55rem;
  font-size: 0.9375rem;
  color: var(--footer-muted);
}

.footer-links a {
  color: var(--footer-text);
}

.footer-links a:hover {
  color: #7dd3d9;
}

.footer-contact-list {
  list-style: none;
  margin: 0 0 1.25rem;
  padding: 0;
}

.footer-contact-list li {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  margin-bottom: 0.85rem;
  font-size: 0.9375rem;
  color: var(--footer-muted);
  line-height: 1.5;
}

.footer-contact-list a {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  color: var(--footer-text);
}

.footer-contact-icon {
  flex-shrink: 0;
  color: var(--footer-accent);
  margin-top: 0.1rem;
}

.footer-hours {
  font-size: 0.875rem;
  color: var(--footer-muted);
  line-height: 1.55;
}

.footer-hours-label {
  margin: 0 0 0.35rem;
  font-weight: 600;
  color: var(--footer-text);
}

.footer-hours p {
  margin: 0.15rem 0 0;
}

.footer-bar {
  background: var(--footer-bg-bar);
  padding: 1.35rem 0 1.75rem;
}

.footer-bar-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem 1.5rem;
  margin-bottom: 1.25rem;
}

.footer-copyright {
  margin: 0;
  font-size: 0.875rem;
  color: var(--footer-muted);
}

.footer-legal-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
}

.footer-legal-links a {
  font-size: 0.875rem;
  color: var(--footer-text);
}

.footer-legal-links a:hover {
  color: var(--accent);
}

.footer-disclaimer {
  margin: 0;
  font-size: 0.75rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.45);
  max-width: 900px;
}

/* Loan & insurance product grids */
.section-products {
  background: var(--products-bg);
}

.section-head-wide {
  max-width: 720px;
}

.section-title-sans {
  font-family: var(--font-sans);
  font-weight: 700;
  letter-spacing: -0.02em;
}

.eyebrow-loan {
  color: var(--loan-icon-fg);
}

.eyebrow-insurance {
  color: var(--insurance-icon-fg);
}

.product-grid {
  display: grid;
  gap: 1.5rem;
}

.product-grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.product-grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

.product-card {
  background: var(--bg-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  text-align: left;
  display: flex;
  flex-direction: column;
}

.product-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.product-card-icon--loan {
  background: var(--loan-icon-bg);
  color: var(--loan-icon-fg);
}

.product-card-icon--insurance {
  background: var(--insurance-icon-bg);
  color: var(--insurance-icon-fg);
}

.product-card-title {
  margin: 0 0 0.5rem;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--ink);
  font-family: var(--font-sans);
}

.product-card-text {
  margin: 0 0 1.25rem;
  font-size: 0.9375rem;
  color: var(--muted);
  line-height: 1.55;
  flex-grow: 1;
}

.product-features {
  list-style: none;
  margin: 0 0 1.25rem;
  padding: 0;
}

.product-features li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.45rem;
  font-size: 0.875rem;
  color: var(--muted);
}

.product-features li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.2rem;
  width: 16px;
  height: 16px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M20 6L9 17l-5-5' stroke='%2316a34a' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")
    center / contain no-repeat;
}

.product-card-link {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--loan-icon-fg);
  text-decoration: none;
  margin-top: auto;
}

.product-card-link:hover {
  text-decoration: underline;
}

.product-card-link--insurance {
  color: var(--insurance-icon-fg);
}

/* EMI calculator */
.section-emi {
  background: var(--bg-alt);
}

.emi-hero-head {
  text-align: center;
  margin-bottom: 2.5rem;
}

.emi-hero-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 1rem;
  border-radius: 50%;
  background: var(--emi-blue-soft);
  color: var(--emi-blue);
  display: flex;
  align-items: center;
  justify-content: center;
}

.emi-hero-title {
  margin: 0 0 0.5rem;
  font-family: var(--font-sans);
  font-size: clamp(1.5rem, 2.5vw, 1.875rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.emi-hero-lead {
  margin: 0;
  color: var(--muted);
  font-size: 1.0625rem;
}

.emi-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.75rem;
  align-items: stretch;
  max-width: 960px;
  margin-inline: auto;
}

.emi-panel-inputs {
  padding: 1.75rem;
}

.emi-panel-head,
.emi-results-head {
  margin-bottom: 1.5rem;
}

.emi-panel-title {
  margin: 0 0 0.25rem;
  font-family: var(--font-sans);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--ink);
}

.emi-panel-sub {
  margin: 0;
  font-size: 0.875rem;
  color: var(--muted);
}

.emi-field {
  margin-bottom: 1.5rem;
}

.emi-field:last-of-type {
  margin-bottom: 0;
}

.emi-field-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.5rem;
}

.emi-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink);
}

.emi-input-num {
  width: 7.5rem;
  padding: 0.5rem 0.65rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.9375rem;
  text-align: right;
  color: var(--ink);
}

.emi-input-num:focus {
  outline: 2px solid var(--emi-blue);
  outline-offset: 2px;
  border-color: var(--emi-blue);
}

.emi-range {
  width: 100%;
  height: 6px;
  margin: 0;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(to right, var(--ink) 0%, var(--ink) var(--emi-range-pct, 50%), #e5e7eb var(--emi-range-pct, 50%), #e5e7eb 100%);
  border-radius: 999px;
}

.emi-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--ink);
  cursor: pointer;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.12);
}

.emi-range::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--ink);
  cursor: pointer;
}

.emi-range::-moz-range-track {
  height: 6px;
  background: #e5e7eb;
  border-radius: 999px;
}

.emi-range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 0.35rem;
  font-size: 0.75rem;
  color: var(--muted);
}

.emi-panel-results {
  background: var(--emi-blue-soft);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  border: 1px solid rgba(36, 151, 157, 0.2);
}

.emi-results-inner {
  height: 100%;
  display: flex;
  flex-direction: column;
}

.emi-result-card {
  padding: 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
  text-align: center;
}

.emi-result-label {
  margin: 0 0 0.35rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.emi-result-value {
  margin: 0;
  font-family: var(--font-sans);
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 700;
  color: var(--emi-blue);
}

.emi-summary {
  margin: 0 0 1.5rem;
}

.emi-summary-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  font-size: 0.9375rem;
}

.emi-summary-row:last-child {
  border-bottom: none;
}

.emi-summary-row dt {
  margin: 0;
  color: var(--muted);
  font-weight: 500;
}

.emi-summary-row dd {
  margin: 0;
  font-weight: 600;
  color: var(--ink);
}

.emi-summary-row--interest dd {
  color: var(--emi-interest);
}

.emi-breakdown-label {
  margin: 0 0 0.65rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
}

.emi-breakdown-bar {
  display: flex;
  height: 10px;
  border-radius: 999px;
  overflow: hidden;
  background: #e5e7eb;
  margin-bottom: 0.75rem;
}

.emi-breakdown-bar-principal {
  background: var(--emi-blue);
  min-width: 2px;
  transition: width 0.2s ease;
}

.emi-breakdown-bar-interest {
  background: var(--emi-interest);
  min-width: 2px;
  transition: width 0.2s ease;
}

.emi-legend {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
  font-size: 0.8125rem;
  color: var(--muted);
}

.emi-legend li {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.emi-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

.emi-dot--principal {
  background: var(--emi-blue);
}

.emi-dot--interest {
  background: var(--emi-interest);
}

/* Responsive */
@media (max-width: 960px) {
  .hero-grid,
  .split,
  .cards-3,
  .steps,
  .metrics,
  .emi-layout {
    grid-template-columns: 1fr;
  }

  .hero-blue .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-body {
    padding-top: 3rem;
    padding-bottom: 2.5rem;
  }

  .product-grid-3,
  .product-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .split-reverse {
    direction: ltr;
  }

  .floating-stat {
    position: static;
    margin-top: 1rem;
    max-width: none;
  }

  .hero-visual {
    display: none;
  }

  .hero-grid {
    gap: 2rem;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .header-inner {
    justify-content: flex-start;
  }

  .header-inner .logo {
    margin-right: auto;
  }

  .btn.header-apply-mobile {
    display: inline-flex;
    flex-shrink: 0;
    padding: 0.55rem 0.95rem;
    font-size: 0.875rem;
    font-weight: 600;
    margin-right: 0.35rem;
  }

  .logo-img {
    height: 76px;
    max-width: 300px;
  }

  .site-nav .nav-actions {
    display: none;
  }

  .nav-toggle {
    display: inline-flex;
    flex-shrink: 0;
  }

  .site-nav {
    position: fixed;
    inset: 100px 1rem auto;
    background: var(--bg-alt);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    padding: 1.25rem;
    flex-direction: column;
    align-items: stretch;
    gap: 1rem;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: opacity 0.2s, transform 0.2s;
  }

  .site-nav.is-open {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-list {
    flex-direction: column;
    gap: 0.5rem;
  }

  .nav-actions {
    flex-direction: column;
    align-items: stretch;
  }
}

@media (max-width: 560px) {
  .product-grid-3,
  .product-grid-4 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 520px) {
  .container {
    width: min(100% - 1.5rem, var(--container));
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bar-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* Inner pages */
.inner-page-main .section:first-of-type {
  padding-top: 3rem;
}

.page-breadcrumb {
  margin: 0 0 1rem;
  font-size: 0.875rem;
  color: var(--muted);
}

.page-breadcrumb a {
  color: var(--primary);
  font-weight: 600;
  text-decoration: none;
}

.page-breadcrumb a:hover {
  text-decoration: underline;
}

.page-lead {
  margin: 0 0 1.5rem;
  font-size: 1.0625rem;
  color: var(--muted);
  line-height: 1.65;
  max-width: 52ch;
}

.page-list {
  margin: 0 0 2rem;
  padding-left: 1.25rem;
  color: var(--muted);
  line-height: 1.7;
}

.page-list li {
  margin-bottom: 0.5rem;
}